Joni Flores
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Joni Flores Email & Phone Number

Senior Credit Underwriter specializing in Ag Lending and Commercial Credit at Tri Counties Bank
Location: Visalia-Hanford Area, United States, United States 5 work roles 2 schools
1 work email found @wellsfargo.com LinkedIn matched
✓ Verified May 2026 4 data sources Profile completeness 100%

Contact Signals · 1 work email

Work email j****@wellsfargo.com
LinkedIn Profile matched
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Current company
Role
Senior Credit Underwriter specializing in Ag Lending and Commercial Credit
Location
Visalia-Hanford Area, United States, United States
Company size

Who is Joni Flores? Overview

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Quick answer

Joni Flores is listed as Senior Credit Underwriter specializing in Ag Lending and Commercial Credit at Tri Counties Bank, a company with 751 employees, based in Visalia-Hanford Area, United States, United States. AeroLeads shows a work email signal at wellsfargo.com and a matched LinkedIn profile for Joni Flores.

Joni Flores previously worked as Credit Underwriter VP at Tri Counties Bank and Portfolio Manager, AVP at Wells Fargo. Joni Flores holds Bachelor Of Business Administration (Bba), Finance, General from California State University, Fresno.

Company email context

Email format at Tri Counties Bank

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{first}.{last}@wellsfargo.com
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AeroLeads found 1 current-domain work email signal for Joni Flores. Compare company email patterns before reaching out.

Profile bio

About Joni Flores

I have over a decade of commercial banking portfolio management and underwriting experience working with community and fortune 500 banks. Most recently, my focus has been in the Agribusiness industry focusing on CRE and C&I deals with a focus on Agricultural and Dairies. I value myself as a hard working, reliable team player who isn't afraid to step up to any challenge. I have managed complex portfolios as well as been a mentor who loves training and mentoring junior team members. I enjoy collaborating with my peers and helping to streamline procedures. With my attention to detail, I can be a valued member of any team and look forward to what the future holds.According to my Perdictive Index, I'm an Operator, which means I'm patient, conscientious, relaxed and a cooperative team worker.

Listed skills include Microsoft Office, Credit, Financial Analysis, Banking, and 19 others.

Current workplace

Joni Flores's current company

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Tri Counties Bank
Tri Counties Bank
Senior Credit Underwriter specializing in Ag Lending and Commercial Credit
chico, california, united states
Website
Employees
751
AeroLeads page
5 roles

Joni Flores work experience

A career timeline built from the work history available for this profile.

Credit Underwriter Vp

Current

United States

- Managed a Portfolio of over $200 Million focused on CRE, C&I, Asset Based Lending and Ag Deals.- Senior underwriter primarily engaged in Ag lending, specializing in dairies, and tree nut farming.- Experience working with Farmer Mac.- Involved in multiple projects for enhancing nCino to best fit the Banks needs.- Programs used: nCino; Cash (spreading).

Feb 2023 - Present

Portfolio Manager, Avp

Visalia, California Area

Food & Agribusiness- Manage a Portfolio of over $450 million with a mix of working capital lines of credit, asset based lending and real estate loans for mainly Dairy and Crops.- Participate in performing financial research, underwriting, and structuring of highly complex banking.

Dec 2017 - Feb 2023

Credit Analyst, Avp

Valley Business Bank

Visalia, California

- Developed and analyzed credit information pertaining to commercial and business loans.- Completed Reports of Credit for commercial credit applications, HELOC’s, and SBA loans.- Performed monthly reporting of borrowing base certificates.- Performed annual term loan reviews, quick reviews and financial updates.- Spread financials and tax returns on.

Nov 2013 - Dec 2017

Credit Analyst, Avp

Visalia, California Area

Acquired Valley Business Bank.

Nov 2013 - Dec 2017

Credit Assistant / Analyst

Visalia, California

- Performed general administrative tasks to include pulling business and personal credit reports, UCC-search, and industry analysis reports (eMentor).- Prepared weekly meeting reports to include past due ticklers and maturing renewals.- Followed up on past due loans and requested updated financial information on borrowers.- Coordinated with the bank's loan.

Aug 2011 - Oct 2013
Team & coworkers

Colleagues at Tri Counties Bank

Other employees you can reach at tcbk.com. View company contacts for 751 employees →

2 education records

Joni Flores education

FAQ

Frequently asked questions about Joni Flores

Quick answers generated from the profile data available on this page.

What company does Joni Flores work for?

Joni Flores works for Tri Counties Bank.

What is Joni Flores's role at Tri Counties Bank?

Joni Flores is listed as Senior Credit Underwriter specializing in Ag Lending and Commercial Credit at Tri Counties Bank.

What is Joni Flores's email address?

AeroLeads has found 1 work email signal at @wellsfargo.com for Joni Flores at Tri Counties Bank.

Where is Joni Flores based?

Joni Flores is based in Visalia-Hanford Area, United States, United States while working with Tri Counties Bank.

What companies has Joni Flores worked for?

Joni Flores has worked for Tri Counties Bank, Wells Fargo, Valley Business Bank, Citizens Business Bank, and Bank Of The Sierra.

Who are Joni Flores's colleagues at Tri Counties Bank?

Joni Flores's colleagues at Tri Counties Bank include Michael Opp, Scott Black, Lindsey Allen, Chester Hopkins, and Gina Ramirez.

How can I contact Joni Flores?

You can use AeroLeads to view verified contact signals for Joni Flores at Tri Counties Bank, including work email, phone, and LinkedIn data when available.

What schools did Joni Flores attend?

Joni Flores holds Bachelor Of Business Administration (Bba), Finance, General from California State University, Fresno.

What skills is Joni Flores known for?

Joni Flores is listed with skills including Microsoft Office, Credit, Financial Analysis, Banking, Commercial Banking, Finance, Credit Analysis, and Loans.

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